The bank of the future: 77% of stablecoin users say they’d open a wallet with their bank today

Finance Share Share this article Copy link X icon X (Twitter) LinkedIn Facebook Email The bank of the future: 77% of stablecoin users say they’d open a wallet with their bank today YouGov survey published by Coinbase and BVNK also found that 71% of users would use a stablecoin-linked debit card as a means of spending them. By Jamie Crawley | Edited by Sheldon Reback Feb 19, 2026, 11:26 a.m. Make us preferred on Google A big majority of stablecoin users want more input from their banks in enabling them to buy and spend stablecoins, according a new survey compiled by YouGov. (Steve Buissinne/Pixabay, modified by CoinDesk) What to know : Some 77% of the survey's 4,658 respondents said they would open a cryptocurrency or stablecoin wallet within their banking or fintech app if one were available. A survey commissioned by crypto exchange Coinbase and stablecoin infrastructure provider BVNK also found that 71% of users would use a stablecoin-linked debit card to spend the fiat-linked tokens. Stablecoin users on average hold 35% of their annual earnings in such tokens, and 73% of freelancers and contractors reported an improvement in their ability to work with international clients thanks to stablecoins. A majority of stablecoin users want their banks to make it easier for them to buy and spend stablecoins for regular transactions, according to a new survey compiled by YouGov . Some 77% of the 4,658 respondents said they would open a cryptocurrency or stablecoin wallet within their banking or fintech app if one were available. STORY CONTINUES BELOW Don't miss another story. Subscribe to the Crypto Daybook Americas Newsletter today . See all newsletters Sign me up By signing up, you will receive emails about CoinDesk products and you agree to our terms & conditions and privacy policy . The survey, commissioned by crypto exchange Coinbase (COIN) and stablecoin infrastructure provider BVNK, also found that 71% of users would use a stablecoin-linked debit card. The survey was conducted from September to October, 2025. Stablecoins are crypto tokens whose value is pegged to a real-world asset. The most popular, Tether's USDT and Circle Internet's (CRCL) USDC, are digital versions of the U.S. dollar, though other currencies are also available. The total market capitalization has grown 50% since the start of 2025, according to data tracked by DeFiLlama , and first topped $300 billion in October. While stablecoins are widely used in trading cryptocurrencies, the results highlight how far they have penetrated into the traditional financial economy, driven especially by developments in the regulatory environment. "Users want stablecoins to behave like money they already know," BVNK summarized. Stablecoin users hold an average of 35% of their annual earnings in such tokens, according to the survey, while 73% of freelancers and contractors reported an improvement in their ability to work with international clients thanks to stablecoins. The expansion of formal regulation of stablecoins in major jurisdictions, such as the GENIUS Act in the U.S , could give banks the confidence to start offering crypto tools such as wallets. "By codifying transparency and cybersecurity standards, the Act classifies these assets as reliable cash equivalents," Coinbase's Alec Lovett and John Turner said in the report. "This clarity has bolstered institutional trust while strengthening consumer protections, which we predict will supercharge adoption in the coming months and years." Stablecoins Wallets banks YouGov Surveys More For You Zoomex: Precise Systems of Fairness and Transparency by Design By CoinDesk Jan 31, 2026 Commissioned by Zoomex Read full story More For You South Korea’s Hanwha makes a $13 million bet on ‘seedless’ crypto wallets By Jamie Crawley , AI Boost | Edited by Stephen Alpher 11 hours ago The South Korean financial firm backs the U.S.-based blockchain company to accelerate enterprise wallet technology and real-world asset tokenization. What to know : Kresus has secured roughly $13 million (KRW 18 billion) from Hanwha Investment & Securities. The funding will support enterprise wallet infrastructure and real-world asset (RWA) tokenization platforms. The deal signals continued institutional investment in blockchain infrastructure despite uneven crypto markets. 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